New-Year-Spending

This is a legally privileged and confidential communication intended only for the addressee. If you are not the intended recipient or you have received this communication in error, you are hereby strictly prohibited from using, disseminating, distributing or copying this e-mail or any of the attachments or parts thereof, and you are kindly requested to notify us and delete the erroneous communication. We do not accept liability for any damages, loss or expense arising from this e-mail and/or from the accessing of any attachments (including damages caused by computer viruses). This e-mail is subject to our POPI policy.

Our POPI policy is available at our offices and can be provided on request together with our policies including TCF, PAIA, Conflicts of Interest and our Complaints Resolution Process.

CONTACT

DISCLAIMER

@Sphere Consult Disclaimer